June Marcia Williams

Your Insurance Agent in Opa Locka, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Opa Locka, FL...

National Producer No.

17209549

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Accident & Injury Insurance in Opa Locka, FL

Two coverage levels. AD&D up to $150K. No health questions.

Accident and injury insurance for Opa Locka, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum payouts for covered accidents and injuries, no pressure, same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

❤️

3K+ Satisfied Clients

⭐

5-Star Service Rating

🛡️ NPN Verified

🏛️ 5-State Licensed

🏆 10+ Yrs Exp.

Right here · Opa Locka, FL

Opa Locka, FL — Your Local Producer

Hello to my neighbors in Opa Locka! I appreciate the unique character and vibrant culture that defines our corner of Miami-Dade County. My name is June Marcia Williams, and as a licensed insurance producer, I'm committed to helping local families and individuals plan for their financial security. Whether you're considering Term Life, Whole Life, Final Expense, or Accident & Injury insurance, I can help you understand your options. My goal is to provide clear, personal guidance so you can make confident decisions for your future. I'm here to serve our community. (NPN: 17209549, Florida License No: W840529)

Opa-locka City Hall
Miami-Opa Locka Executive Airport
Opa-locka Tri-Rail Station

NPN17209549FL LicenseW840529

Licensed Accident & Injury Producers in Opa Locka

94 on public record · Florida DFS · Fla. Stat. §119.01

Adffher Ivan Nicolas

Life Including Variable Annuity & Health

NPN 20631215 Licensed 2023

Alba E Rivera

Life Including Variable Annuity & Health

NPN 6913074 Licensed 2002

Amarilys Brito

Life Including Variable Annuity & Health

NPN 18740315 Licensed 2018

Ana Maria Mendoza Concepcion

Life Including Variable Annuity & Health

NPN 21312975 Licensed 2024

Anabel Crespo

Life Including Variable Annuity & Health

NPN 21187121 Licensed 2024

Andre Corbitt

Life Including Variable Annuity & Health

NPN 16629315 Licensed 2012

Andrea Elizabeth Young

Life Including Variable Annuity & Health

NPN 2899461 Licensed 2016

Andres Avilez Diaz

Life Including Variable Annuity & Health

NPN 18781312 Licensed 2018

Andy Collazo Gutierrez

Life Including Variable Annuity & Health

NPN 21372341 Licensed 2024

Anthony L Sawyer

Life Including Variable Annuity & Health

NPN 18390060 Licensed 2017

Arelis Sanabria

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 18164540 Licensed 2016

Arielis Mor Araque

Life Including Variable Annuity & Health

NPN 19406507 Licensed 2020

Arisdelbis Fernandez Tovar

Life Including Variable Annuity & Health

NPN 20975492 Licensed 2023

Arisnaisy Hernandez Vazquez

Life Including Variable Annuity & Health

NPN 20578124 Licensed 2023

Arletis Montano Montano

Life Including Variable Annuity & Health

NPN 21367923 Licensed 2024

Astrid Marisol Ordonez

Life Including Variable Annuity & Health

NPN 22199693 Licensed 2026

Barbara Del Carmen Hernandez Ravelo

Life Including Variable Annuity & Health

NPN 22147904 Licensed 2026

Brian A Garcia

Life Including Variable Annuity & Health

NPN 22053757 Licensed 2025

Carmen V Sanchez Tirado

Life Including Variable Annuity & Health

NPN 20981151 Licensed 2023

Catherine Eliza Higgs-Palmer

Life Including Variable Annuity & Health

NPN 12463469 Licensed 2009

Charlene Valerie Ward-Allen

Life Including Variable Annuity & Health

NPN 21432684 Licensed 2025

Charles Bryan Bello

Life Including Variable Annuity & Health

NPN 16975938 Licensed 2023

Chrislady Richardson Ortiz

Life Including Variable Annuity & Health

NPN 21635653 Licensed 2025

Christena Phillips

Life Including Variable Annuity & Health

NPN 21206108 Licensed 2024

View all 94 licensed accident & injury producers in Opa Locka →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Accident & Injury Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Accident & Injury Insurance across the Opa Locka regional market. Rates are localized using regional health baselines.

Official Opa Locka Resources

County Miami Dade County

Population ~16,230

Lack of insurance (18–64) 28.2%

FIPS code 1251650

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

Let June shop the market for your localized Opa Locka rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.4 10 reviews

Photos by Ricardo Bianchetti , Jean Pierre Kamiya , Daniel Calzadilla via Google Maps

View on Google Maps

Historic Opa-locka City Hall

(305) 953-2868

Sharazad Blvd, Opa-locka, FL 33054, USA

Recent Reviews

Chad Cherf ★★★★★

"We went there tonight, which was February 13th, 2026 for 2nd annual MN ENA Festival. We drove a really long way. About 3 hours there and 2 hours home from Stuart, FL. We saw ab advertisement for th…"

Roy Banos ★★★★★

"Turns out Opa-locka City Hall isn’t the Small World ride or Morocco at EPCOT — but it sure fooled me for a second. The architecture makes you feel like you’ve stepped into another world, without needi…"

About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

Rapid Underwriting

Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Read the full Accident & Injury Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Financial backup for life's unexpected bumps — no obligation — fast, personalized options

Select your coverage level

Level 1
$300/day hospital · $50K AD&D

Level 2
$500/day hospital · $150K AD&D

Who needs coverage?

Individual

+ Spouse

+ Children

Family

What type of accident?

Hospital

Fracture

Dislocation

Emergency

AD&D

Other

Select an accident type to see benefit amounts.

Your Name

Phone Number

Email Address

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure · Never shared · June responds within 30 min

✅

Consultation Request Sent!

June will call you within 30 minutes during business hours.

Or call now: (908) 339-7723

Want live updates on your quote? Tap to let June text your phone directly — rates, approvals, appointments.

Prefer to talk? Ask Lia — June's AI assistant: (908) 648-8689

Compare Plans

Accident Insurance Options

Core Benefit

Hospital & Emergency

Daily cash when admitted

Hospital: $300-$500/day
ICU: $600-$1,000/day
ER services covered
Ambulance (ground + air)
Physician office visits

Get Quote

Specific Injuries

Scheduled benefit per injury

Fractures: up to $4,800
Dislocations: up to $4,000
Burns: up to $10,000
Lacerations, concussions
Pain management + dental

Get Quote

AD&D + Disability

Accidental death & dismemberment

AD&D: $50K-$150K
Common carrier: up to $300K
Dismemberment schedule
Paralysis coverage
Optional disability income

Get Quote

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 Accident & Injury Knowledge

Everything You Need to Know About Accident Insurance

🩹

What Is Accident Insurance?

Accident insurance pays cash benefits directly to you when you're injured in an accident — regardless of other insurance. It covers hospital stays, fractures, dislocations, ER visits, ambulance, physical therapy, and more. The money goes to you, not the hospital. Use it for copays, deductibles, rent, groceries — whatever you need while recovering.

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Hospital & ICU Benefits

If an accident puts you in the hospital, you receive $300-$500 per day for inpatient stays and $600-$1,000 per day for ICU — paid for up to 15 days per ICU confinement. These benefits are paid in addition to what health insurance covers. Even a 3-day hospital stay generates $900-$1,500 in cash benefits.

🦴

The Injury Benefit Schedule

Every covered injury has a specific dollar amount. Hip fracture: $2,400-$4,800. Knee dislocation: $1,500-$3,000. Burns over 36 sq inches: $5,000-$10,000. The schedule covers fractures (16 types), dislocations (9 types), lacerations, concussions, coma, and even emergency dental. No guesswork — you know exactly what you'll receive.

⚠️

AD&D: Accidental Death & Dismemberment

Built into every policy: $50,000-$150,000 for accidental death (adult), with enhanced benefits for common carrier accidents (planes, trains) up to double. Dismemberment benefits cover loss of limbs, sight, hearing, and speech. Children covered at 25% of adult benefit. This is real financial protection beyond just injury coverage.

💼

Optional Disability Income

Add a disability income rider for $500-$2,000/month if a covered accident prevents you from working. Off-the-job accidents and 24-hour short-term disability available for up to 12 months. Requires 27.5+ hours/week employment. This turns accident insurance into true income protection — not just medical gap coverage.

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Florida Consumer Protections

Accident insurance policies through our carriers are guaranteed renewable for life with level premiums. Florida requires a 14-day free-look period (Fla. Stat. § 627.4554). There's a 12-month pre-existing condition lookback for sickness-related riders only — the base accident plan has no health questions for covered accidents. Issue ages 18–69 for new policies.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.

Life Insurance in Opa Locka

More Insurance Options in Opa Locka, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense

Insurance Resources

Know Your Rights in Florida

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

Visit floir.gov →.GOV

Verify an Agent's NPN License

Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

Visit nipr.com →.COM

Frequently Asked Questions

Accident & Injury Insurance FAQ

💰

How much does accident insurance pay?

Benefits are paid per incident: hospital stays ($300-$500/day), ICU ($600-$1,000/day), fractures (up to $4,800), plus ER, ambulance, and therapy. AD&D up to $150K.

🏥

Does this work with my health insurance?

Yes. Accident insurance pays you directly — on top of whatever your health insurance covers. Use the cash for copays, deductibles, lost wages, or anything else.

👨‍👩‍👧

Can I cover my whole family?

Yes. Coverage options include Individual, Individual + Spouse, Individual + Children, and Family. All covered members receive the same benefit amounts for covered accidents.

🚗

Are car accidents covered?

Yes. Motor vehicle accidents are covered, including enhanced AD&D benefits for motorized vehicle or pedestrian death. All accidental injuries from car, motorcycle, and pedestrian accidents qualify.

📋

Is a medical exam required?

No medical exam for the base accident plan. The optional sickness disability rider may require health questions. Issue ages 18-69, guaranteed renewable for life.

Nearby Accident & Injury Coverage

Read the Full Accident & Injury Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Accident & Injury Insurance in Opa Locka, FL

Opa Locka, FL — Your Local Producer

Licensed Accident & Injury Producers in Opa Locka

⚡ Accident & Injury Insurance Underwriting Scope

🏛️ Official Opa Locka Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Accident Insurance Options

Hospital & Emergency

Specific Injuries

AD&D + Disability

Everything You Need to Know About Accident Insurance

What Is Accident Insurance?

Hospital & ICU Benefits

The Injury Benefit Schedule

AD&D: Accidental Death & Dismemberment

Optional Disability Income

Florida Consumer Protections

More Insurance Options in Opa Locka, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Accident & Injury Insurance FAQ

How much does accident insurance pay?

Does this work with my health insurance?

Can I cover my whole family?

Are car accidents covered?

Is a medical exam required?

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Talk to a real person. Today.

Accident & Injury Insurance Underwriting Scope

Official Opa Locka Resources